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Customers Bancorp (CUBI) investor relations material
Customers Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved strong Q3 2025 results with net income of $73.7 million, EPS of $2.20, and ROAA at 1.26%, driven by significant deposit and loan growth, margin expansion, and improved efficiency.
Continued franchise transformation through new team recruitment, digital platform enhancements, and leadership transition with Jay Sidhu moving to Executive Chairman in 2026 and Sam Sidhu named CEO.
Maintained robust capital and liquidity positions, supported by a $163 million common equity raise, enabling future growth and potential preferred stock redemption.
Asset quality remained strong with NPA ratio at 0.25% and reserves at 534% of non-performing loans.
Book value per share and tangible book value per share both increased by 6.2% over Q2 2025, reaching $59.83 and $59.72, respectively.
Financial highlights
Net interest income for Q3 2025 was $201.9 million, up 14% quarter-over-quarter and 27% year-over-year, with net interest margin expanding by 19 basis points to 3.46%.
Total revenues were $232 million, up 12% quarter-over-quarter.
Total assets grew 8% quarter-over-quarter to $24.3 billion; total deposits up 8% to $20.4 billion; total loans and leases up 6% to $16.3 billion.
Efficiency ratio improved to 45.4%, with non-interest expense as percent of average assets at 1.74%.
Tangible book value per share increased 6.2% sequentially to $59.72.
Outlook and guidance
FY 2025 outlook raised: deposit growth expected at 8%-10%, loan growth at 13%-14%, and net interest income at 13%-15%.
Core efficiency ratio projected below 50% for the year, versus 56% in 2024.
CET1 ratio projected to remain around 13% at year-end 2025.
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